EMPRUNT.BE
Bankruptcy closedInactive since 17-07-2026; last annual accounts for fiscal year 2021.
Summary
EMPRUNT.BE was declared bankrupt on 11-12-2023 (Tribunal de l’entreprise francophone de Bruxelles); the bankruptcy was closed for insufficient assets by judgment of 30-06-2026, published in the Belgian State Gazette on 22-07-2026.
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2021 was due by 31-07-2022 and was filed on 26-08-2022, 26 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
26 d late
2020
90 d late
2019
92 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2021, micro schema
Equity
€37k▼ 14.3%
2020 · €43k
2019: €43khighest in 3 years
2020: €43k▼ -0.4% vs 2019
2021: €37k▼ -14.3% vs 2020lowest in 3 years
2019 → 2021
Total assets
€85k▼ 21.4%
2020 · €108k
2019: €60klowest in 3 years
2020: €108k▲ +80.4% vs 2019highest in 3 years
2021: €85k▼ -21.4% vs 2020
2019 → 2021
Net result
€-6k▼ 3,825%
2020 · €-157
2019: €-12klowest in 3 years
2020: €-157▲ +98.7% vs 2019highest in 3 years
2021: €-6k▼ -3825% vs 2020
2019 → 2021
Working capital
€72k▲ 67.0%
2020 · €43k
2019: €43k
2020: €43k▼ -0.2% vs 2019lowest in 3 years
2021: €72k▲ +67.0% vs 2020highest in 3 years
2019 → 2021
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line201920202021Trend
Equity€43k-€43k▼ 0.4%€37k▼ 14.3%
2019: €43khighest in 3 years
2020: €43k▼ -0.4% vs 2019
2021: €37k▼ -14.3% vs 2020lowest in 3 years
Operating result€-12k-€7k€-4k
2019: €-12klowest in 3 years
2020: €7k▲ +157% vs 2019highest in 3 years
2021: €-4k▼ -162% vs 2020
Net result€-12k-€-157▲ 98.7%€-6k▼ 3,825%
2019: €-12klowest in 3 years
2020: €-157▲ +98.7% vs 2019highest in 3 years
2021: €-6k▼ -3825% vs 2020
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2021: a loss of €4k after €7k in 2020.
Balance-sheet composition
2021 in colour, 2020 as the grey bar beneath
Assets €85k
Fixed assets
€149 =
Current assets
€84k ▼ 21.4%
Equity and liabilities €85k
Equity
€37k ▼ 14.3%
Debt
€48k ▼ 26.2%
Debt's share of the balance-sheet total falls from 59.9% to 56.3%. Equity and debt are lower.
Key figures and ratios
Current ratio
6.71▲
2020 · 1.67
Debt to equity
1.29
ROE
-16.7%▼
2020 · -0.4%
ROA
-7.3%▼
2020 · -0.1%
Debt ≤ 1 year
€13k▼
2020 · €64k
Debt > 1 year
€35k
Income taxes
€2k▼
2020 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2021 against 2020 · 39 lines
Balance sheet
Code20202021
Assets
Total assets20/58€108k€85k▼
Fixed assets21/28€149€149=
Financial fixed assets28€149€149=
Current assets29/58€107k€84k▼
Amounts receivable within one year40/41€107k€84k▼
Trade receivables40-€3k
Other amounts receivable41-€81k
Cash at bank and in hand54/58€2€81▲
Equity and liabilities
Total equity and liabilities10/49€108k€85k▼
Equity10/15€43k€37k▼
Contributions10/11-€7k
Outside capital11-€7k
Other1109/19-€7k
Reserves13€2k€2k=
Non-distributable reserves130/1-€2k
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€34k€28k▼
Amounts payable17/49€64k€48k▼
Amounts payable after more than one year17-€35k
Other amounts payable178/9-€35k
Amounts payable within one year42/48€64k€13k▼
Trade debts44€10k€9k▼
Suppliers440/4-€9k
Taxes, remuneration and social security45-€123
Taxes450/3-€123
Other amounts payable47/48-€4k
Income statement
Code20202021
Other operating charges640/8-€406
Gross operating margin9900€7k€-4k▼
Operating profit (loss)9901€7k€-4k▼
Financial income75/76B-€0
Recurring financial income75€3€0▼
Financial charges65/66B-€194
Recurring financial charges65€329€194▼
Profit (loss) for the period before taxes9903€6k€-4k▼
Income taxes67/77€6k€2k▼
Profit (loss) for the period9904€-157€-6k▼
Profit (loss) for the period to be appropriated9905€-157€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906-€28k
Profit (loss) brought forward from the previous period14P-€34k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|
| Other operating charges640/8 | - | - | €406 | - |
| Gross operating margin9900 | €-11k | €7k | €-4k | ▼ 153% |
| Operating profit (loss)9901 | €-12k | €7k | €-4k | ▼ 162% |
| Financial income75/76B | - | - | €0 | - |
| Recurring financial income75 | - | €3 | €0 | ▼ 99.4% |
| Financial charges65/66B | - | - | €194 | - |
| Recurring financial charges65 | €358 | €329 | €194 | ▼ 40.9% |
| Profit (loss) for the period before taxes9903 | €-12k | €6k | €-4k | ▼ 169% |
| Income taxes67/77 | - | €6k | €2k | ▼ 70.6% |
| Profit (loss) for the period9904 | €-12k | €-157 | €-6k | ▼ 3,825% |
| Profit (loss) for the period to be appropriated9905 | €-12k | €-157 | €-6k | ▼ 3,825% |
| Line | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €60k | €108k | €85k | ▼ 21.4% |
| Fixed assets21/28 | €199 | €149 | €149 | = |
| Financial fixed assets28 | €199 | €149 | €149 | = |
| Current assets29/58 | €59k | €107k | €84k | ▼ 21.4% |
| Amounts receivable within one year40/41 | €59k | €107k | €84k | ▼ 21.5% |
| Trade receivables40 | - | - | €3k | - |
| Other amounts receivable41 | - | - | €81k | - |
| Cash at bank and in hand54/58 | €2 | €2 | €81 | ▲ 3,932% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €60k | €108k | €85k | ▼ 21.4% |
| Equity10/15 | €43k | €43k | €37k | ▼ 14.3% |
| Contributions10/11 | €7k | - | €7k | - |
| Outside capital11 | - | - | €7k | - |
| Other1109/19 | - | - | €7k | - |
| Reserves13 | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | - | €2k | - |
| Reserves not available under the articles1311 | - | - | €2k | - |
| Profit (loss) carried forward14 | €34k | €34k | €28k | ▼ 18.1% |
| Amounts payable17/49 | €16k | €64k | €48k | ▼ 26.2% |
| Amounts payable after more than one year17 | - | - | €35k | - |
| Other amounts payable178/9 | - | - | €35k | - |
| Amounts payable within one year42/48 | €16k | €64k | €13k | ▼ 80.5% |
| Trade debts44 | €5k | €10k | €9k | ▼ 10.4% |
| Suppliers440/4 | - | - | €9k | - |
| Taxes, remuneration and social security45 | - | - | €123 | - |
| Taxes450/3 | - | - | €123 | - |
| Other amounts payable47/48 | - | - | €4k | - |
| Line | 2019 | 2020 | 2021 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €-12k | €-157 | €-6k | ▼ 3,825% |
| Operating cash flow (approximation) | €-12k | €-157 | €-6k | ▼ 3,825% |
| Investment in fixed assets (approximation) | - | €50 | €0 | ▼ 100% |
| Change in cash | - | €0 | €79 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2026
22-07
Bankruptcy
Bankruptcy closure (insufficient assets)
Tribunal de l’entreprise francophone de Bruxelles · event 30-06-2026
2023
19-12
Bankruptcy
Opening
Tribunal de l’entreprise francophone de Bruxelles · event 11-12-2023
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Liquidity quadruplescurrent ratio 6.71
Current ratio from 1.67 to 6.71; short-term debt falls from €64k to €13k.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 60 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
14-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 410 days late
2016
21-11
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 479 days late
2015
05-03
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 217 days late
2014
28-03
NBB filing
Annual accounts filed
fiscal year 2012 · full schema · 240 days late
2012
21-09
NBB filing
Annual accounts filed
fiscal year 2011 · full schema · 52 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel)
Ground area
63 m²
Building footprint
49 m²
Volume, LiDAR
669 m³
Parcel 21013B0392/00B011, Brussels · tallest building 16.2 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21013B0392/00B011 | Brussels | 63 m² | 1 · 49 m² | 16.2 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | CHARLES-HENRI SPRINGUEL AVENUE LOUISE 349,
1050 IXELLES |
11-12-2023 → 30-06-2026 |
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded19-02-2002
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.